ACS eligibility rules
French broker with an under-40 long-stay plan and an eight-day mid-trip window. Every row below is taken from ACS's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Any residence | Effectively global: the products cover travel outside your usual country of residence and residence itself is not restricted. | verified |
| No fixed country of residence | With conditions | Residence is declared rather than gated, but the products assume you have one. | partly |
| Buying after you have left home | Yes | Globe Partner and Globe Traveller can be bought after departure with an eight-day waiting period on all benefits. Europax cannot if you are already inside the Schengen area. | verified |
| Maximum age | 65 | Globe Partner is under 40, Globe Traveller under 66, and the Europax Schengen plan under 70. | verified |
| One-way and open-ended trips | With conditions | Duration-based products with no return-ticket requirement stated. | low |
| Longest trip | 12 months | Twelve months on Globe Partner and Globe Traveller; Europax is 90 days or 90-in-180. | verified |
| Pre-existing conditions | No | No screening flow; pre-existing conditions effectively excluded. | partly |
| Cover in the USA | With conditions | Globe Partner covers the USA in its worldwide zones. Globe Traveller requires the €500,000 cover level for North America. | verified |
| Schengen visa certificate | Yes | Europax meets the €30,000 requirement with a certificate issued online within minutes. | verified |
| Winter sports | With conditions | Risky sports are a paid add-on on Globe Traveller. | partly |
| Scuba diving | With conditions | Via the risky sports add-on. | partly |
| High-altitude trekking | With conditions | Via the risky sports add-on. | partly |
| Scooters and motorbikes | Not verified | Not verified. | low |
| Working abroad | With conditions | Students and interns are covered by Globe Partner, with a separate Globe PVT product for working-holiday visas. | verified |
| Trip cancellation | With conditions | An optional add-on on Globe Traveller, and only for departures from mainland France, bought the same day as the trip booking. | verified |
| Families | With conditions | Per-person pricing with family and group quotes available. | partly |
Who underwrites it
Broker; carriers reported as Allianz, AXA, MGEN and Mutuaide. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to ACS. That is disclosed on every link, and it never changes where they appear or in what order. Percentage of premium; open to bloggers without an insurance licence.
Sources: acs-ami.com, acs-ami.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.